you were already doing this at someones home so too me the most logical and moral way to go about this is just go with number 2 and buy her some lunch.

This

Start looking for headliners from a wreck if it really bothers.

I had an aftermarket moonroof put in my 95 Tbird. As I am a incorrigible tinkerer, I wanted to wire a LED into the rocker switch to light up at night. I did that, but in the process put an X-Acto knife slice in the headliner